Hi all,
Zwicker and Associates is now saying that we have to have the rest of the balance for Bally's in, which is $409, by the rest of the month. They said Bally's is getting ticked off. What if we aren't able to get that money in by the rest of the month? What will happen if we don't?

Jenn

[ben]

Jenn - Did you ask Zwicker and Associates to validate the debt? They cannot make any collection efforts on you unless they prove that they are dealing with your accounts and you need to make payments to them.

They need to provide necessary details about your accounts showing the total amount of your debt, the interest accrued on it, agreement letter that the creditor has assigned the collection agency to collect the said debt. They are also required to prove that the said debt is within the Statute of Limitation period. They also need to provide a copy of the original signed agreement letter showing that the creditor has extended credit to the debtor during the period.

I will suggest you to pull your latest credit report from the three bureaus and know the latest standing of your account. If it appears in your credit report that the said collection agency is assigned to collect the debt, then you will have to make payment arrangements with them only.

You can take the help of the debt consolidation program in your case because the consultant is trained to handle these kinds of situations and he will work to keep your interests protected.

Moreover, the debt consolidation program will offer you some benefits which have been exclusively designed for the welfare of the consumers.

http://www.debtconsolidationcare.com/benefits.html

You can sign up in this site to get in touch with the consultant and work actively to clear your debt problems with this collection agency.

I am dealing with Zwicker and Associates right now. These are the most horrible, mean people I have ever had to deal with in my life and I am filing a complaint today because of it. They have been harassing me at work on a daily basis.

My firm use Zwicker and Associates all the time to collect on credit card debts if i where you i would pay them they do not screw around

The following was listed on a website by Bud Hibbs concerning Zwicker and Associates (they are on his list of collection agencies to avoid):

"Bud Says...
These debt collection attorneys hire goons to threaten, lie and intimidate consumers into paying them. NEVER give them any information on your bank/credit accounts, or post-dated checks. YOU WILL REGRET IT!!"

[ben]

Always make sure that Zwicker & Associates follows the lines of Fair Debt Collection Practices Act.

I have been giving this agency my post dated checks for a year now, should I worry about them having my bank account? How do I know for sure that they are paying my debt with this money?

[roxette]

Hi ProudMomma

Welcome to the forums. Please contact the customer care cell of Zwicker and Associates and ask for a statement showing the details of your payments.

You can thoroughly check the statement and confirm about the payments made towards your debt.

Regards
Roxette

Zwicker and Associates has been harassing me for ten years. The debt is not even being pursued by the original lender. It is not on any of my reports, but they call all the time and threaten my husband and myself.

[ben]

Msosa, if the collection agency, Zwicker & Associates, is calling you about an account which does not appear in your credit report, then you should ask them to give proper details of it. Please send them a written notice through certified mail with return receipt requested asking to prove it.

If they are unable to produce any necessary information about the account, then you can take legal action against them using your consumer rights. You can file complaints at the FTC, BBB and the state attorney general office and request to look into this matter.

I think their calls should stop if you inform them that you are recording all the telephonic conversations with date and time and wish to present it to your lawyer.

I have Zwicker and Associates on my credit report - I have a lady named Denise calling me at work all the time. I plan on paying this debt but at the moment I am unable to, not that I don't intend to pay it but right now I can't. She has threatened to have me taken to court and have someone come to my job to present me with the paper work. She has said they try to call me at home but I have not msgs. from them and their number has never showed up on my caller ID. What can I do about this. She has even tried to get to my human resources department to but my business in everyone's ear. This company is really rude, she has even told me they are a law firm.

[roxette]

Hi Linda

Send them a cease and desist letter though certified mail with return receipt requested. It will explain that you wish to get all the collection activities stopped or face legal sanctions under the applicable Federal and State law.

You can give this cease and desist letter the utmost importance that it can deserve. Once Zwicker & Associates have received your letter, they should not call you anymore regarding the debt. If they do so, they will have to face legal actions.

Regards
Roxette

I received a letter from Zwicker in July stating I owed $$ on a credit card that had been paid off in July of 2003.
I talked with them, faxed my info to them, and now three months later when I called again (they don't return calls when they know they are wrong) and finally got someone - he was extremely unprofessional telling me to just "pay the amount". My gripe was that the person who was suppose to be taking care of my situation - never followed thru - never made phone calls to who he should have to resolve this situation and didn't even have the courtesy to call me back.
This is a company that should be shut down - and business given to some other collection agency. This can by no means be any type of professional law firm. This is a disgrace to people who are either trying to pay off debts OR have paid them off YEARS ago that they still try to collect on. I even wonder if Zwicker and Associates use computers since they can't seem to find any information on anything.
I'm considering obtaining a lawyer of my own for the problems THEY have given me!

Good Luck with this group of ill-mannered and extremely unprofessional people.

[roxette]

Hi onthego85

Welcome to the forums.

It is very necessary that Zwicker and Associates updates the particular account with the credit bureau and the account should be shown as 'paid'. Otherwise, it might happen later that some other collection agency will try to recover the same debt from you.

Make sure that you stress on getting your account updated with the help of lawyer.

Regards
Roxette

Zwicker and Associates doesn't care about the law. They sent my a settlement letter signed by an attorney, then continued to ask for more money after they cashed the check.

[roxette]

Hi Chris,

After the check has been cashed, have they updated your credit report with the three bureaus? It is very necessary for Zwicker and Associates to do this otherwise another collection agency will come later asking for the same debt.

Keep all the receipts of your payments in safe place for later proof. If they are unwilling to update your file and keep asking for money, you might have to discuss with your attorney.

Regards
Roxette